Citizens Financial Group is making efforts to stand out from the crowd with new, convenient offerings for customers. Consumer Banking Division vice chairman Brad Conner joins MoneyBeat to explain.

This transcript has been automatically generated and may not be 100% accurate.

... slack economy paying to compete heavily for customers and their deposits ... Citizens Financial is changed a bit approach ... of the bank's vice chairman of consumer banking bright Connor enjoyed the outlines of the changes Braudel are you ... radler you um okay so I know I know that a team that banking service static being you know I was that as a bank branch of the quarter and has ten million and thank you relationship ... he is in it that static or not ... it's not it's not that stand ... to see where leaders are changing the way ... we're seeing a big change in terms of customers using mobile technology using more sophisticated ETN is doing a lot ... fewer transactions and branches ... so it's changing ... the the ... landscape changing but there ... are ... so hard for one ... of the things you that are doing ... two ... so ... will be ... something that we call or a better initiative ... deadline ... a lot of listening to our customers and hurt but they were looking for the bank and what we heard from customers in terms of what they're looking for a new bank ... which is simple and easy to use products make my thinking very straightforward very simple very easy to use ... and we love ... the color a better initiative ... on multifaceted program but we sample platter are checking line up ... so we launched a new on the condition he got a call one of ... the Chucky ... with one ... every twenty four year may ... be so very very simple to avoid any fees ... major investments in our mall capability is making it easy to do things like ... that you are taking a picture of the chair ... we just launched a product that were really excited ... which is our education refinance loan which allows customers to refinance student loans ... what we heard from our customers is once they stay on their college ... bill trapped in the week in the ability to refinance into more favorable situation ... I hope our view that the people that technology and you're on your own product or ... the method ... how hard is it to keep up with the changing technology landscape ... we'll use or ... be on your toes because it's changing very fast and that's one ... of its one of our ... key foundations sustained ... low of where consumers want ago ... one of the Sir whether it's ... in a branch by phone online or in the mobile in store making a lot of investments are mobile capabilities ... as I mentioned ago we ... were in a mobile app ... great idea who researches the top global ... in it's ... it's the little things ... changing ... listen to customers ... in terms of how they want to do their banking it's not like to store to your ... original question coming out of the gate they go ... off into thinking that way they use to ... buy ... alone in this world but we all know that that savings account at extremely ... low interest rates these days neither the DOL our ward there ... how do you do get around the fact that ... hook you up an office and kept customers are not didn't feel much loyalty there because that ... well they certainly an issue the entire industry is dealing with Tuesday there are a very low rate environments or any number of options that we give our customers in terms of ways to save ... on and you know me to paper only aggressively on money markets and CDs but we think the ... way to build loyalty with customers ... is used to give them false ... proxy services are looking for it's not just about savings rates ... but is hoping to avoid these ... giving them better financial solutions like an inch and a few minutes ago and being able to refinance student loan ... giving them better technology of really ... built a relationship loyalty with a customer ... just by listening to what they're all sweet and needs are ... I think you're right top with pineapple perfect time